# HRAgo vs My Retirement

The clearest difference is rating: My Retirement at 4.8 against HRAgo's 3.6. My Retirement also leads on ratings volume (24K vs 279) and update cadence (monthly vs every 3 months). HRAgo's advantage is iOS requirement (15.0 vs 17). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

My Retirement holds the better App Store score, 4.8 against 3.6. That said, the two scores are not equally well evidenced: My Retirement has 24K ratings behind it against 279, so its average is the more settled of the two. Written reviews point the same way: 38% of HRAgo's written reviews are positive against 49% of My Retirement's.

HRAgo ships an update every 3 months, My Retirement monthly. Both last shipped on November 11, 2026.

## The numbers

| Metric | HRAgo | My Retirement |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (279 ratings)](https://appshunter.io/ios/app/hrago/id946966606/reviews) | **[4.8 (24K ratings)](https://appshunter.io/ios/app/my-retirement/id1470333203/reviews)** |
| Number of ratings | 279 | **24K** |
| Positive reviews | 37.7% of reviews | **48.6% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | Free | Free |
| Size | 44 MB | 48 MB |
| Requires iOS | **15.0** | 17 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Empire Innovation Group, LLC](https://appshunter.io/developer/946966605) | [Nationwide Mutual Insurance](https://appshunter.io/developer/1319471084) |

## What reviewers say

### HRAgo

[App page](https://appshunter.io/ios/app/hrago/id946966606)

Manage your Health Reimbursement Arrangement (HRA), Health Savings Account (HSA), Flexible Spending Account (FSA), and RHSP accounts. View balances, transaction history, submit claims, upload documentation, and update personal and investment information.

**Highlights:** View account balances and activity, Submit claims and documentation, Update contact information, Manage investment allocations, View account statements, Direct deposit reimbursements

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Efficient claims submission
- 🤝 Great customer service
- 📱 User-friendly app
- ✅ Makes HRA easy

**What reviewers complain about**

- 🐌 Slow processing
- ❌ Denied claims frequently
- 😩 Cumbersome process
- ❓ Lack of explanation for denials
- 📚 Difficult to upload documents

**Reported bugs**

- Unable to log out
- Cannot add documentation from photo library
- App won't attach images for claims
- Cannot find 'Benefits Card' tab
- Kicked out before finishing upload

**Requested features**

- Allow adding multiple documents
- Provide information on covered expenses
- Improve navigation for monitoring deposits/credits/payments
- Add a 'forgot password' option
- Allow saving login credentials


### My Retirement

[App page](https://appshunter.io/ios/app/my-retirement/id1470333203)

Access your employer-sponsored retirement account on the go. View account balances, asset breakdowns, and manage contributions. Plan for your future with retirement readiness tools.

**Highlights:** View account balances, Asset class breakdowns, Manage contributions, View active loans, Retirement readiness assessment, Fingerprint/facial recognition login

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Helpful and knowledgeable agents
- 🚀 Quick and easy to use
- 🔒 Secure and confident experience

**What reviewers complain about**

- 🐛 Clunky and buggy app
- 🔍 Limited functionality compared to website
- ⚠️ Frequent update issues

**Reported bugs**

- Login and update issues
- Crashes and freezes
- Unreliable and inconsistent performance

**Requested features**

- Improved navigation and UI
- Real-time investment tracking
- Ability to manage accounts and settings


## Frequently asked questions

### Is HRAgo free?

HRAgo is free to download, with no in-app purchases.

### Is My Retirement free?

My Retirement is free to download, with no in-app purchases.

### Which has better reviews, HRAgo or My Retirement?

My Retirement is rated higher. HRAgo averages 3.6 out of 5 from 279 ratings, while My Retirement averages 4.8 from 24K ratings.

### Do HRAgo or My Retirement have ads?

Neither HRAgo nor My Retirement shows ads.

### Which is updated more often, HRAgo or My Retirement?

HRAgo ships an update every 3 months, and My Retirement monthly. Most recently, HRAgo was updated on November 11, 2026 and My Retirement on November 11, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*